# Payy vs Lydian Wallet

The clearest difference is rating: Lydian Wallet at 5.0 against Payy's 4.1. Payy's advantage is ratings volume (35 vs 4) and update cadence (every 8 days vs every 3 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Lydian Wallet holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Payy has 35 ratings behind it against 4, so its average is the more settled of the two.

Payy ships an update every 8 days, Lydian Wallet every 3 weeks. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Payy | Lydian Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/lydian-wallet/id6749316906/reviews)** |
| Number of ratings | **35** | 4 |
| Positive reviews | 65.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 130 MB | 77 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Polybase Labs](https://appshunter.io/developer/1722468125) | [TPG Payments Inc](https://appshunter.io/developer/1782216846) |

## What reviewers say

### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


### Lydian Wallet

[App page](https://appshunter.io/ios/app/lydian-wallet/id6749316906)

A secure, non-custodial digital asset wallet for managing cryptocurrencies and monitoring a linked card. It allows users to store, send, and receive digital assets with full control over private keys and funds.

**Highlights:** Non-custodial digital asset storage, Send and receive crypto, Monitor Lydian Card activity, View Visa card benefits, Manage wallets and balances, Intuitive interface

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Payy free?

Payy is free to download, with no in-app purchases.

### Is Lydian Wallet free?

Lydian Wallet is free to download, with no in-app purchases.

### Which has better reviews, Payy or Lydian Wallet?

Lydian Wallet is rated higher. Payy averages 4.1 out of 5 from 35 ratings, while Lydian Wallet averages 5.0 from 4 ratings.

### Do Payy or Lydian Wallet have ads?

Neither Payy nor Lydian Wallet shows ads.

### Which is updated more often, Payy or Lydian Wallet?

Payy ships an update every 8 days, and Lydian Wallet every 3 weeks. Most recently, Payy was updated on November 4, 2026 and Lydian Wallet on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*